Salary Budget Calculator India
Break down your monthly salary using the 50/30/20 rule with city-adjusted Indian expense estimates. Plan needs, wants, and savings effectively.
Your Salary
Salary Overview
Monthly In-Hand₹80,000
Annual CTC₹13.3L
Annual In-Hand₹9.6L
50/30/20 Rule
Needs (50%)₹40,000
Wants (30%)₹24,000
Savings (20%)₹16,000
Needs — ₹40,000
50%🏠Rent / Housing₹18,000
🛒Groceries₹10,800
🍽️Food (outside)₹4,500
🚌Transport₹2,500
💡Utilities & Bills₹1,800
🏥Health Insurance₹2,400
Wants — ₹24,000
30%🎬Entertainment & OTT₹3,500
👕Shopping & Clothing₹6,000
🍔Dining Out & Delivery₹4,800
💅Personal Care₹2,400
✈️Travel & Vacations₹4,800
🎁Other Wants₹2,500
Savings — ₹16,000
20%🔐Emergency Fund₹4,800
📈Mutual Funds / SIP₹6,400
🏦PPF / NPS₹3,200
💰Fixed Deposits₹1,600
Annual savings potential: ₹1.9L
How this works
The 50/30/20 rule is a popular budgeting framework: 50% for needs (rent, food, transport, utilities), 30% for wants (entertainment, shopping, dining out), and 20% for savings and investments. City-adjusted values reflect realistic living costs in different Indian cities. CTC to in-hand conversion assumes ~28% deductions (12% EPF employee + 12% EPF employer + tax + professional tax). Actual take-home depends on your tax slab and company benefits.
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